Debt collection -- False statements or representation -- Complaint #6106716
Complaint Overview
Complaint ID: 6106716
Company: T.S. Holdings
Product: Debt collection
Sub-Product: Other debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Florida
ZIP Code: XXXXX
Date Received: 2022-10-19T12:00:00-05:00
Date Sent to Company: 2022-10-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Validation of debt was submitted to this company via certified mail on XX/XX/23. Receipt of confirmation as received. They failed to respond to the validation of the debt. IQ Data International and the Original Creditor XXXX XXXX XXXX were contacted regarding incorrect charges. Both failed to respond. IQ Data International also violates FDCPA guidelines by not allowing enough response time on their original notification. The amount of debt IQ Data International intends to collect is {$1900.00}. That is incorrect. I never refused to pay the debt. I asked the debt collector to contact the original creditor to revise the amount and contact me when the charges were revised. I was not contacted, and the company did not call me after they received the validation of the debt and had to cease all communication to remain in compliance. But they should've contacted me in writing. This indicates that they did receive the XXXX, yet failed to respond. IQ Data International proceeded to report this debt to my credit, they were also contacting my child who was a minor at the time the account in dispute was opened.
Frequently Asked Questions
What is Complaint #6106716 about?
Complaint #6106716 was filed against T.S. Holdings regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2022-10-19T12:00:00-05:00.
How did T.S. Holdings respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against T.S. Holdings?
Yes, visit the T.S. Holdings company profile at readthecomplaint.com/company/t-s-holdings to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.